Pet insurance for people who’d do anything for their pet.
Pumpkin Pet Insurance plans help you give your fur kids the best care pawsible with:
Pumpkin can help you say ‘yes’ to the best care.
When they're sick
Help get them the diagnostics, treatment, and prescription medicine they need to get better with Pumpkin Pet Insurance plans.
When they're hurt
Help give them the emergency care, surgery, and rehabilitation therapy it takes to recover with Pumpkin Pet Insurance plans.
When they're healthy
Help them keep up with routine wellness care with Preventive Essentials. It's not insurance, but an optional benefit you can add to your plan.
Pet insurance that helps your pet stay healthy now and fur-ever.
Dog & Puppy Insurance
Cat & Kitten Insurance
When cat-astrophes happen – like digestive illnesses, eye infections, or worms – you can help your kitty get back on their paws with cat insurance designed for accidents and illnesses.
Make wellness care a walk in the park with Preventive Essentials.
Signing up for a Pumpkin plan is easy!
Choose a Pumpkin Pet Insurance plan that's right for you and your pet.
Add an optional Preventive Essentials package to your Pumpkin plan.
Submit a claim & get paid back quickly for eligible vet bills.
Don’t furget – with a Pumpkin plan, you can see any licensed vet in the US or CAN!
Why pet insurance is worth it for your pet.
So, how common are unexpected accidents and illnesses? Well, they happen more often than you think! No matter their age, pets have a habit of getting into things they shouldn’t – like snacking on toxic plants or fracturing paws while playing. It’s especially hard to imagine when your pet is young and healthy, but as many as 1 in 3 pets need emergency vet treatment each year!20
When ruh-rohs or cat-astrophes happen, Pumpkin insurance plans can give you peace of mind knowing you have help protecting your pet’s health when it matters most. They can help you say ‘yes’ to the best care possible by paying you back 90% of covered vet bills. After you’ve met your annual deductible, a Pumpkin plan can cover $1,800 of an eligible $2,000 emergency vet bill. Just imagine how much it could save you over your fur kid’s life!
How much does pet insurance cost? Find out right now!
Fetch a free quote in less than 5 minutes to see your pet’s pawfect plan.
Pumpkin Love Stories
Your pet deserves a plan as special as they are.
See any licensed vet in the US or CAN
Pumpkin plans cover eligible treatment from any licensed vet, so it’s your vet, your choice – always.
90% reimbursement rate fur all
We believe all pet parents deserve 90% cash back on all covered vet bills (not UP TO 90%).
10% multi-pet discount
Pumpkin helps you budget for your fur family with a 10% multi-pet discount for each additional pet you enroll.
14-day waiting period for all accidents & illnesses
Pumpkin plans have the same waiting period for all covered conditions, including hip dysplasia and cancer.
No upper age limits or breed exclusions, ever
Pumpkin plans are available to all dog and cat breeds, and never reduce or decline coverage as pets age.
Some top pet insurance questions we get asked all the time...
From everyday illnesses to emergency accidents, the unexpected costs of veterinary care can really add up over a pet’s life. If your dog or cat gets hurt or sick, pet insurance (AKA insurance for accidents & illnesses) can reimburse you for a large portion of any covered vet bills. This can make it easier to provide your pet with the best care possible – even when it comes at a high cost – and save thousands on medical expenses over their lifetime.
The cost of your Pumpkin Pet Insurance plan will depend on a few key factors:
Breed: Certain breeds have more health problems than others and cost a little more to insure, so this is a factor that can impact the monthly cost of your plan.
Location: Average vet care costs in your city are taken into consideration, so pet parents in cities with less costly vet care may have lower monthly premiums (and vice versa).
Age: Older pets are at a higher risk for developing certain illnesses, so you can expect to pay a higher monthly premium for an adult or senior vs. a puppy or kitten. That said, Pumpkin insurance plans will NEVER reduce or limit coverage for aging pets.
Species: Generally speaking, dogs tend to cost more to insure than cats. However, this won’t always be the case depending on the breed, age, and location of your pet.
Annual Coverage Limit: The amount your insurance plan is designed to cover in eligible vet bills each year will impact the cost of your plan. Higher annual limits usually result in higher monthly premiums, whereas lower annual limits result in lower ones.
Annual Deductible: How much you choose to pay towards covered vet bills each year before your 90% cash back kicks in can also affect the monthly cost of your plan. In general, the higher the annual deductible, the lower the monthly premium.
To find out how much a Pumpkin Pet Insurance plan will cost for your fur kid, fetch a free quote today..
Most pet insurance plans, including Pumpkin plans, don’t cover “pre-existing conditions” that occur or show symptoms before coverage starts or during a waiting period. However, if a pre-existing condition is curable (e.g., UTI, paw fracture), was cured, and has been free of symptoms and treatment for 180 days, Pumpkin plans would cover it if it occurs again in the future, with the exception of knee & hind leg ligament conditions. If a knee or hind leg ligament condition occurs prior to the day after you purchase your Pumpkin plan or during the waiting period, any future ones won’t be covered.
It’s important to note that not all pet insurances will cover eligible cured pre-existing conditions that occur again in the future, so this is definitely a plus with Pumpkin insurance plans!
All that said, having an incurable pre-existing condition, or a knee or hind leg ligament condition, doesn’t mean you shouldn’t join the Pumpkin pack! You can always enroll your pet and get covered for new conditions that develop down the road. Have questions? Call us at 1‑866‑ARF‑MEOW (1‑866‑273‑6369) or email firstname.lastname@example.org.
We know choosing a pet insurance provider is a big decision, and we want to help you make the best, most informed choice for your fur baby. For this reason, we thought we’d highlight some key ways Pumpkin insurance plans stand out from the pack:
- 90% reimbursement rate fur all pets 8 weeks & up – seniors included
- Smart annual coverage limit options from $10k-unlimited for dogs and $7k-unlimited for cats
- Everyone gets extensive coverage (no need to buy a bunch of extra insurance plan add-ons)
- Pumpkin plans cover key conditions some insurance plans exclude, like dental illnesses, behavioral issues, hereditary conditions, and parasite infections
- Pumpkin plans cover in-clinic + virtual vet exam fees for accidents & illnesses at no extra cost
- Pumpkin plans cover physical therapy and prescription food & supplements* for covered conditions no extra cost
- No breed or upper age restrictions, plus no reducing coverage as your pet ages
- 14-day waiting period for all conditions – even knee injuries and hip dysplasia
- 10% discount on a Pumpkin plan for each additional pet you enroll
- Quick & easy online claims process
- Easy comparison charts to see what you’re really getting vs. other insurance providers
- Voted “Best Pet Insurance for Comprehensive Coverage” by BusinessInsider.com15
Like what you’re seeing? Fetch your free quote today.
Unlike a human health insurance HMO, your Pumpkin Pet Insurance plan’s coverage isn’t limited to a “network” of health care providers. Since you get paid back directly, your dog is free to receive treatment from any licensed veterinarian, specialist, emergency clinic or hospital you choose in the U.S. or Canada!
Pumpkin Pet Insurance plans are designed to cover the diagnostics and treatments your pet needs to get better when unexpected accidents or illnesses occur. They are not designed to cover routine wellness care that pets need to stay healthy year-round, like vaccines to help prevent infectious diseases.
That said, we know insurance alone won’t solve your pet’s health & wellness needs. It’s why we worked with vets to create a unique wellness package called Preventive Essentials. Preventive Essentials isn’t insurance, but an optional benefit you can add to your Pumpkin insurance plan if you want refunds for annual wellness exam fees, important vaccines, and key parasite screening tests pets need to stay healthy and disease-free! We offer different packages based on your pet’s species and age. Click on the link that applies to your pet below.
While Pumpkin Pet Insurance plans offer extensive coverage for accidents & illnesses, they don’t cover elective procedures like spaying and neutering.
For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample policy.
Yes! We know pet care can be expensive – especially when you have more than one fur baby to budget for. Unlike some other pet insurance plans out there, Pumpkin Pet Insurance plans offer a 10% multi-pet discount for all additional pets! That means you get 10% off a plan for each additional fur family member you enroll. When you fetch a quote for multiple pets, you’ll see this discount applied at checkout.